Side-by-side comparison of Holyheld Card and OKX Card — fees, cashback rates, custody models, and regional availability. Updated for 2026 with our editorial verdict based on real data from both issuers.
Quick Verdict:
Both cards score closely — Holyheld at 3.8/5 vs OKX at 3.8/5. Holyheld has a slight edge, but the best choice depends on your priorities.
| Features |  Holyheld Card |  OKX Card |
|---|---|---|
| Virtual + Physical | Virtual only | |
| Hybrid custody | Custodial | |
| Mastercard Prepaid | Mastercard Debit | |
| Classic €29; Limited €99; Metal €199 | Free | |
| Free (one-time card fee only) | Free | |
| 0% within EEA; 2.5% + €1 outside EEA | 0.1% conversion spread (official docs); no transaction or FX fees | |
| 0.5-1% USDC cashback (no staking required) | Launch promotion (Jan-Feb 2026): 15-20% cashback — this promo has ended as of February 28, 2026. Regular users got 15% capped at 100 EUR; VIP users got 20% capped at 200 EUR during the promo period. Post-promo (current as of March 2026): VIP-tiered cashback at 2-5% depending on OKX VIP status. For new users without existing VIP status, the base rate is likely around 2%. EEA-only card. Cashback is paid in USDG stablecoin. Specific tier requirements and monthly caps for the ongoing program are not fully disclosed. Realistic cashback for a typical user: ~2% (post-promo). | |
| €10000/day | Based on verification and tier | |
| Available with physical card | Available with physical card | |
| 1200+ cryptocurrencies across 14+ blockchains; manual conversion to EUR required | USDC, USDG stablecoins from OKX Pay account | |
| 30 EEA countries only | EEA + Brazil | |
| Get Holyheld Card | Get OKX Card |
Holyheld Card is our pick in this matchup. Full Apple Pay and Google Pay support makes it practical for daily spending. However, OKX may be better if you have specific feature requirements.
Bottom line: For most crypto card users, Holyheld Card (3.8/5) delivers better overall value than OKX Card (3.8/5).